It is a risk, but you have to definitely go all in when you decide to get your draftees. I had about $600k in the draft and points used for this season, made sure I had the top pick, and the first two picks I got netted me $5.5m so I came out significantly ahead. You obviously can't do that every season, but it is economically sound to do so every few when the points are there if you're in a position that relegating for a season will help your team long term.
I once had a team with 1757 players and was $25,835,360 in debt. This is not that team. Join the Discord group open to anyone, but especially for USA managers to improve your club or get involved with the U21 and NT programs
(https://discord.gg/cKpNkt2).